Whole life insurance is a product. Banking is cash flow.
How to accumulate as much tax free money as you want for your entire life: build a bank.
Since banking is all about cash flow, banks can be built in monetary form by funding whole life insurance policies designed for wealth accumulation. Premium payments become savings deposits because they accumulate as cash value, which can be used as collateral for loans.
Policy Example
Policies can be designed using almost any amount of money